While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Looking at 670 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently highlight the app's user-friendliness and its effectiveness in helping them improve their credit scores, with many reporting significant increases. People appreciate the clear guidance, easy-to-understand interface, and the ability to track progress and receive helpful insights. However, some customers experienced issues with payments and subscriptions, including difficulties changing payment accounts and unexpected card number changes. A few also expressed dissatisfaction with the limitations on credit access despite being given a credit limit.

What people talk about most

User experience

Customers had positive experiences with user experience. Many reviewers praise the app's user-friendly... See more

Application

People report positive experiences with the app. Many customers praise its user-friendliness and ease of use,... See more

Payment

Reviewers mention ambiguous feedback about payment. While some customers praise the service for helping to... See more

Subscription

Reviewers highlight ambiguous aspects of subscription. While some customers appreciate the ability to put all... See more

Product

Consumers find the product to be positive, particularly praising its effectiveness in credit building. Many... See more

Reviews shaping this summary

Rated 5 out of 5 stars

I’ve been using Ava now for a few months and my credit score has went up by 79 points. I’m honestly amazed by my results. I really love how user friendly the app is. The alerts and insights keep me on... See more

Rated 5 out of 5 stars

Since joining the Ava app, my credit score has increased by 147 points, and I honestly couldn’t be happier. Ava made it easy to understand what was hurting my credit and showed me clear, realistic s... See more

Rated 5 out of 5 stars

Ava Finance has been extremely helpful for rebuilding my credit. Since I started using the app, my score has increased by over 100 points. The guidance is clear, the interface is easy to understand,... See more

Rated 5 out of 5 stars

⭐️⭐️⭐️⭐️ Amazing Experience with Ava Finance! I can’t say enough about how incredible my experience has been with Ava Finance. In just one week, my credit score jumped 137 points — something I n... See more


Company details

  1. Non-Bank Financial Service
  2. Alternative Financial Service
  3. Credit Counseling Service
  4. Financial Institution
  5. Financial Planner

About Ava Finance

Written by the company

Ava is a fintech startup, founded by seasoned experts of the credit industry with the goal of helping people pay the lowest cost on their debt by building their credit easily with an automated credit building app.

We offer a host of credit-building products and debt management tools for as low as $6 a month.

We make a commitment in making our products accessible and affordable to our customers, along with providing all of our services with no interest, no hidden fees, and no hard credit checks.


Contact info

4.7

Excellent

TrustScore 4.5 out of 5

3K reviews

5-star
4-star
3-star
2-star
1-star

Replied to 81% of negative reviews

Typically replies within 48 hours

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Advertisement
Rated 1 out of 5 stars

BBB "F" Rating with over 130 complaints

I signed up with Ava Finance to help build my credit, but my experience has been nothing short of frustrating and damaging. At first, it seemed like it might work, but things quickly went downhill when I ran into a problem with their mobile app. I couldn't switch the payment account I was using to cover the monthly charge, and despite reaching out to customer support multiple times, I was constantly redirected back to the app, which wasn’t working.

As a result, Ava Finance reported an 30-day missed payment to the credit bureaus. This mistake has had a severe impact on my credit score, much worse than any potential benefit I could have gotten from using their service.

Like many of you, I use Trustpilot to make decisions on whether to use a service or not. I really wish I had checked Ava Finance’s BBB rating beforehand, as it’s an F with over 130 complaints against them. If I had known this, I would have avoided them entirely.

Now, I'm left paying hundreds of dollars to a credit repair company to try and fix the damage caused by Ava Finance’s mistake. So, be warned: if you run into any issues with their app or connecting accounts, they won't provide adequate support, and their mistakes can seriously damage your credit.

Stay far away from Ava Finance!

June 11, 2025
Unprompted review
Ava Finance logo

Reply from Ava Finance

Hello Jason,

Edit 2/4: Thank you for providing your account information. As this is a sensitive topic, we have provided a more comprehensive response via ticket number 402717 to the provided email address.

Please let us know if you have any additional questions via that thread.


We're sorry to hear of your experience. We have submitted a request for more information to locate your Ava account and be able to assist you further.

Best,
Ava

Rated 5 out of 5 stars

I’ve been using Ava for about a year…

I’ve been using Ava for about a year now, and the results honestly speak for themselves. When I started, my credit score was 462, and today it’s 647. That kind of improvement felt impossible before Ava. The platform is easy to use, clear, and actually educational I finally understand why my score is moving instead of just guessing. Ava helped me build better habits, stay consistent, and track progress without stress. If you’re serious about improving your credit and want a tool that actually works over time, Ava is absolutely worth it. I’m really glad I stuck with it.

February 1, 2026
Unprompted review
Advertisement
Rated 1 out of 5 stars

I was Scammed

The two subscriptions that are supposed to be covered under my Ava credit card were not paid. I now do not have the services but Ava has my payments and my personal information. I don’t even know how to cancel my subscription. Reached out to customer service and no one answered me for days and then finally they say someone will help and a week later nothing. Also, there is a loan they apparently help you with that you pay $26 monthly for and they have a lock on it and will not give you your money back and zero option to make an early payment and just withdraw all of your money. My score has gone down also bc they pulled my credit to initiate this “loan” I am so disappointed.

January 29, 2026
Unprompted review
Rated 5 out of 5 stars

Credit review

I like the updates and the keep up of credit scores. I received an alert every time my credit score went up and I really love the tradelines.

January 31, 2026
Unprompted review
Advertisement
Rated 5 out of 5 stars

AVA just go for it

I found the app very easy to use and the financial tips were genuinely helpful. The interface is clean and intuitive, making the whole process of managing my finances much simpler. The company is doing well by providing clear, actionable advice without being overwhelming."

January 1, 2026
Unprompted review
Rated 5 out of 5 stars

Since joining the Ava app

Since joining the Ava app, my credit score has increased by 147 points, and I honestly couldn’t be happier. Ava made it easy to understand what was hurting my credit and showed me clear, realistic steps to fix it. The app breaks everything down in a way that’s simple and not overwhelming, which kept me motivated to stay consistent.

I love how Ava tracks progress and gives helpful insights instead of just showing numbers. Seeing my score steadily go up gave me confidence and peace of mind about my financial future. If you’re serious about improving your credit and want a tool that actually works, Ava is 100% worth it.

January 26, 2026
Unprompted review
Advertisement
Rated 1 out of 5 stars

If there was a negative star

If there was a negative star, that's what they'll get from me!! I requested for my account to be close for the past 6 months, they won't close it and keep reporting me to the bureaus for being 120 days late! Such assholes!!! They'll ruin your credit instead of helping you build it. Do not fall for the hype, they're not out to help you, but only to line their own pockets. Once they receive the legal papers from my attorney, they'll know what time it is! JERKS!!! I should've known this was too good to be true!!! ASSHOLES!!!

July 22, 2025
Unprompted review
Ava Finance logo

Reply from Ava Finance

Hello Majesty,

Thank you for your feedback. We take these matters seriously, but we currently cannot locate an account matching your information. Please contact us at support@meetava.com so we can investigate this for you.

Regarding your concerns, please note that closing an account does not waive an outstanding balance. To ensure reporting accuracy, we are required to update credit bureaus on any past-due amounts until the balance is resolved.

We would like to help you clear this up immediately. Please reach out to our team directly with your account details.

Advertisement
Rated 5 out of 5 stars

Ava Finance has changed my life

Ava Finance has changed my life. I recommend this app to anybody who needs to boost their credit score for an affordable price. My score has increased by 78 points since I have started using Ava.

January 21, 2026
Unprompted review
Rated 5 out of 5 stars

Making my payments on time overall has…

Making my payments on time overall has made my experience great. My credit score has increased significantly since I joined Ava. I have been recommending my family and friends use the app also to help them with their credit.

January 20, 2026
Unprompted review

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look